Tag Archives: Excel

New Hampshire (N.H.) 2014 – 2015 Property Tax Rates Coming In. 48 Towns Have Reported.

Anura Guruge, June 8, 2013.20142015logo671

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by Anura Guruge


Related posts:
1/ N.H. 2013 – 2014 tax rates — Nov. 9, 2014.
2/ N.H. 2012 – 2013 tax rates — Nov. 26, 2012.
++++ Search on ‘tax’ for other posts >>>>


Superseded by 143 Towns reporting post of
November 8, 2014.

Click to access.


New Hampshire (N.H.) Property Tax 2013 – 2014: 25 Lowest Rate CHANGES — BUT What Happened To Their Town Valuations?

Anura Guruge, June 8, 2013.

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by
Anura Guruge


Related posts:
N.H. 2012 – 2013 tax rates — Nov. 26, 2012.
++++ Search on ‘tax’ for other posts >>>>

Highest & Lowest RATE changes.


Click to ENLARGE.

Click to ENLARGE.


You need to see BOTH sides of the equation
change to tax rate & change to TOWN VALUATION
to get the whole picture.

So here is THAT picture for the 25 lowest rate change towns.


New Hampshire (N.H.) Property Tax 2013 – 2014: Highest & Lowest Rate CHANGES. What Happened In Greenville?

Anura Guruge, June 8, 2013.

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by
Anura Guruge


Related posts:
N.H. 2012 – 2013 tax rates — Nov. 26, 2012.
++++ Search on ‘tax’ for other posts >>>>


Only in terms of towns that reported ‘in time’ this year and last. See PDF below to see the MISSING towns.

I do not have the motivation or the time to go and find these rates. I do this strictly for fun — mainly to see where Alton, where I now live, comes in.

Concord, obviously, has folks who are paid big bucks to do this type of analysis. So, if you want all the gaps filled in ask Concord or do it yourself. You will feel good.

I really don’t have the time. There are BOOKS to be written …


Biggest Decreases
BRAVO!

Click to ENLARGE.

Click to ENLARGE.


Biggest Increases
WOW!

Click to ENLARGE.

Click to ENLARGE.


PDF of all towns from my Spreadsheet.
You can see the missing towns by the gray … and where they appear.

mostleast2014pdfimagefixed

Click to image to access small PDF.


New Hampshire (N.H.) 2013 – 2014 Property Tax Rate Comparison UPDATED: Now With ‘All’ 224 Towns Reporting. Also Sorted In Ascending Order PDF.

Anura Guruge, June 8, 2013.2014taxalphabeticalNov22

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by
Anura Guruge


Related posts:
1/ N.H. 2012 – 2013 tax rates
>>Nov. 26, 2012.

++++ Search on ‘tax’ for other posts >>>>


As promised I am updating this every Friday ‘night’ — though Friday night for me blends into Saturday morning since I work till at least 1 a.m.

So this is the November 23 2013 refresh.

Most likely last. I think all the towns are in.

I also did a sorted PDF for those that can’t deal with spreadsheets.


New Hampshire (N.H.) 2013 – 2014 Property Tax Rate Comparison UPDATED: Now With 173 Towns & A Sorted In Ascending Order PDF.

Anura Guruge, June 8, 2013.

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by
Anura Guruge


Related posts:
1/ N.H. 2012 – 2013 tax rates
>>Nov. 26, 2012.

++++ Search on ‘tax’ for other posts >>>>


As promised I am updating this every Friday ‘night’
— though Friday night for me blends into Saturday morning since I work till at least 1 a.m.

So this is the November 16, 2013 refresh.

I also did a sorted PDF for those that can’t deal with spreadsheets.


New Hampshire (N.H.) 2013 – 2014 Property Tax Rate Comparison. Lowest, Highest & Spreadsheet.

Anura Guruge, June 8, 2013.

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by
Anura Guruge


Related posts:
1/ N.H. 2012 – 2013 tax rates — Nov. 26, 2012.
++++ Search on ‘tax’ for other posts >>>>



With 224 towns reporting.
I think that is pretty much ALL.

Most probably my last update. I think we have it all.
November 23, 2013 UPDATE.

Data, as last year, extracted from NH Dept. of Revenue Webpage — here.


Lowest 25

20132014lowest25NHNov22

Click to ENLARGE.
Alton highlighted since I live there. I also highlighted comparable neighbouring towns.



Highest 25



Free, CLEAN, sortable Excel Spreadsheet. No marcos. No germs.

Click to download Excel 97 and later compatible Spreadsheet. Will work with Google Docs.



2014taxalphabeticalNov22

For alphabetical ordering get it directly from nh.gov.
Unlike me, who doesn’t even get paid peanuts (though peanuts are my least favorite nut), they get paid BIG bucks to do this.
They should be doing all of this!



For CHANGES in the Tax Rate
from last year to this,

check this post.



Lake Winnipesaukee Ice-Out, Analyzing The 127 Years Of Data — To Celebrate Yesterday’s, i.e., April 17, Ice-Out For 2013.

Dec2013x125


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Anura Guruge


Yesterday was ice-out on Winnipesaukee.

Historic ice-out data going back to 1887 is available at winnipesaukee.com. So that is 127 years worth of ice-out dates.

I, for the first time this year, had a couple of hours off! I am waiting for Amazon to publish another Kindle book. So, I wanted to indulge myself while I waited (patiently) and given that I am strange crunching data is an indulgence.

So, I did some quick analysis. One thing I quickly noticed is that people don’t pay enough attention to LEAP YEARS. In terms of days into the year, March 23 & March 24 are both 82 days independing on whether it is a leap-year or not. So to say that last year was the earliest ice-out is wrong in a way.

I copied and pasted, did some concatenations and replaces, used (the now unsupported but still available) =DATEDIF Excel function and =WEEKDAY and voilà. [No, I never type in data.] Yes, I had to hand calculate the 13 pre-1900 years since Excel dates only start as of 1900 — but I used the Windows 7 calculator that can calculate dates going back to 1500 and one of my perpetual calendars. So, I ended up with a sortable Excel spreadsheet — which looked like this, after I had sorted it by data distribution. All calculations are based on days into the year, starting January 1 of each year.

Click to ENLARGE. This was towards the end when I was calculating date distribution.

Click to ENLARGE. This was towards the end when I was calculating date distribution.


Ice out dates over the last 127 years. Click to ENLARGE.

Ice out dates over the last 127 years. Click to ENLARGE.


The day of the week that ice-out has occurred -- Thursdays the most prevalent. Click to ENLARGE.

The day of the week that ice-out has occurred — Thursdays the most prevalent. Click to ENLARGE.


Distribution of ice-out day across a 51-day spread between March 23 and May 12. Click to ENLARGE.

Distribution of ice-out day across a 51-day spread between March 23 and May 12. Click to ENLARGE.


IRS Form 8949: You Can ‘Copy & Paste’ Into 8949 At Least With The IRS ‘Free Fillable Forms’.

Dec2013x125

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 ..by Anura Guruge


Related Posts:
>> IRS Form 8949 Should Be On An Exception Basis … — Apr. 11, 2013.
>> IRS Provided ‘Free Fillable Forms’: Huge Endorsement — Mar. 20, 2013.


As ‘Tax Day’ approaches, as was to be expected, there is growing interest in IRS Form 8949 — which only came into effect as tax year 2011.

If you use Quicken (which I refuse to do, because I really don’t see why it needs to know my inside leg measurements, what statin I take for my cholesterol and the make of car I drive), I gather that Fidelity (for one) will provide downloadable 8949 data that will get automatically filled in. Well, even that will not convince me to use Quicken (though I did use it, a decade ago, when I was honing my tax preparation skills). That Fidelity does not provide us with this data in Excel (comma separated data) form is inexcusable and I did complain about it this year. I assume that there must be other financial institutes that are gracious enough to provide this data in Excel form to their clients.

So what I do is create my own Excel using the PDF (or HTML) of the tax statements available online with Fidelity.

I will copy all the columns and then do a PASTE SPECIAL (Text) into a Word document. I will then use the global replace function of Word to add tabs. Then I do a Text –> Table conversion. Then I delete the columns I don’t want. I then copy the entries of this table to a new Excel spreadsheet — again doing a PASTE SPECIAL (Text).

Then, just because I enjoy messing around with Excel, I subtotals of all the transactions to make sure Fidelity got them correct! Having the subtotal also serves as a ‘check sum’ to make sure I that I haven’t lost any transactions.

Then I fire up Free Fillable Forms (FFF) and create a new Form 8949. I can then copy across a complete row, from Excel to FFF and then paste it.

So, if you notice I haven’t typed in any of the transactional data per se. All of it is essentially copy, paste …. copy, paste.

I can do this fairly quickly. That I have two monitors which enables me to keep the Excel on the left-hand side monitor and FFF on my (main) right-hand side monitor definitely helps.

Hope this helps. Enjoy.

IRS Provided ‘Free File Fillable Forms’: Huge Endorsement & A BIG ‘Thank You’.

Dec2013x125

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Anura Guruge


freefile


I have been gainfully using this free, fillable forms from the IRS for at least the last 4 years — maybe slightly longer.

I love them. Exactly want I want and what I need. Electronic versions of the paper forms with some automated calculations and automatic carry over of all important data between related forms.

This is a gem. I was delighted when I found it.

Despite our modest lifestyle our taxes tend to be complicated, since I am still self-employed and tend to be an active investor. So we can’t get away with doing a 1040A or a 1040 EZ. Instead I have to do the whole kit and caboodle with 4 schedules and multiple forms. But, free, fillable forms let me do my taxes with aplomb. Yes, I do know my way around the tax forms and most of the relevant regulations. So, I don’t need a program that tries to guide me. That is why I like this offering so much.

It is not intrusive, it doesn’t try to second guess you, it is totally ‘cloud’-based and it seems very secure.

I would not, even if you paid me, install and run a tax preparation program on my PC. Once you install that software on your PC you never know what can get compromised. With free, fillable forms noting is installed on your PC, no data is saved on your PC. It is totally browser-based. So in terms of privacy, security and safety it is as good as you can ask — since the only data it has is what you type in AND that being data that the IRS requires from you, whether you like it or not.

For nearly 20 years, when my consulting business was active, I used this amazing tax accountant in Dedham, MA. It was a hike to get there but he sure was worth the drive and much more. When I first went to him c. 1989 there were no commercial-strength, PC-based tax preparation software. He did everything by hand, in your presence. He interrogated you … quick fire … and you had to either give him the form he wanted (e.g., W-2, 1099) or have the numbers he wanted. Initially it was intimidating since he also berated you non-stop. That was his style. He was a great guy. We became good friends. After about 4 years I knew what was expected from me. Then I could watch him in action. I would study the return when I got home. Over the next 10 years I set out to learn from him. During the last 5 years, I did my return, by hand before I went to see him. Then I would pay him to do another. Then I compared mine against his. He knew I was doing it and would tease me. Eventually I could do it as well as he — and by now he was using a very fancy, very costly commercial PC program.

So this is why free, fillable forms hits a chord with me. I was used to doing the forms by hand, in pencil with a big eraser and an even bigger calculator. OK. Yes, I use Excel too. Many times I find it easier to use Excel to do calculations than a calculator. Yes, I use Excel with free, fillable forms to do my investment stuff. I don;t type much. I copy-and-paste data from Fidelity to Excel and then from Excel to FFF. Using Excel as the intermediate step allows me to put in intermediary checks to make sure that all the numbers add up.

So, this is just to give a heads up to anybody who was looking for a free option from the IRS.

P.S., It doesn’t do State taxes. But, I live in tax-free NH! All I have to do is to file the Interest & Dividend return and give them a check. NH has an electronic system too. I use that. That is pretty easy. Takes me less than 5 minutes to do that!

Alton, NH Property Tax ‘Impact’ Has Gone Up 4% Since Last Year, 14.2% Since 2007.


Anura Guruge, laughing, picture November 16, 2011.

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by Anura Guruge


Related post:
>> Alton, NH Property Tax Rate: 23rd Lowest In State! … Nov. 26, 2012.
>> Alton, NH Property Tax Rate: Highest It Has Been In Last 5 Years.
>> 29.4% Rise Since 2007 — Nov. 19, 2012.
>> Alton, NH Property Tax Rate ‘2012’: $13.68/1000 Assessed Value
>>Nov. 14, 2012.

>> Did All Alton Property Assessments Go Up 7% — August 11, 2012.


Here are the actual numbers:

Click to ENLARGE.

What I wanted to establish, for Alton, was the real tax impact, i.e., the increased total tax rate against the change in property values.

That, as anybody who follows NH property tax will tell you is the only way to get a true read.

For 2012 – 2013, following the latest reevaluation of property prices, the total taxable property value base for Alton went down; albeit it, at -0.6%, by not that much, though it is the lowest it has been since 2007.

So, realistically the total tax rate had to go up to compensate for that. That is how it works. That meant the total tax rate had to go up at least 0.6% to maintain par.

The problem is that the Total Tax Rate went up 4.7% — the town portion & the school portion both going up.

Compared to 2007, the tax impact in Alton has gone up 14.2%.

On our road, THE best maintained dirt road in NH, the 21 properties saw an average tax increase (per property) of $352.34 from 2007 to 2012. Maybe that is par for the course. All I know is that my taxes have gone up. I guess most people in Alton don’t really care. It is but mere bagatelle to them no doubt given that Alton is a rich town. I just wanted to see how things stacked up. Since I do it all in Excel, cutting and pasting the data from the State Website, it doesn’t take me long and it makes sure that I keep my Excel skills polished.

The one thing I really would like to find out is how Alton lost $9.2 million in overall property value when most values, as far as I can see, went up. It could be that the default rate has increased. IF I can muster enough courage I will try to broach the subject when I take in my check for the taxes in a couple of weeks. Happy holidays.